diff --git a/chain_params.prod.json b/chain_params.prod.json
index edd2249a..74f36d0f 100644
--- a/chain_params.prod.json
+++ b/chain_params.prod.json
@@ -32,7 +32,8 @@
         "proposalFeeConfirmRequirement": 6,
         "maxPaymentCycles": 6,
         "maxPayment": 43200000000000,
-        "defaultColdStakingAddress": "SdgQDpS8jDRJDX8yK8m9KnTMarsE84zdsy"
+        "defaultColdStakingAddress": "SdgQDpS8jDRJDX8yK8m9KnTMarsE84zdsy",
+        "stakeSplitTarget": 50000000000
     },
     "testnet": {
         "name": "testnet",
@@ -64,6 +65,7 @@
         "proposalFeeConfirmRequirement": 3,
         "maxPaymentCycles": 20,
         "maxPayment": 144000000000,
-        "defaultColdStakingAddress": "WmNziUEPyhnUkiVdfsiNX93H6rSJnios44"
+        "defaultColdStakingAddress": "WmNziUEPyhnUkiVdfsiNX93H6rSJnios44",
+        "stakeSplitTarget": 50000000000
     }
 }
diff --git a/chain_params.test.json b/chain_params.test.json
index bea7b0db..3ef7fe57 100644
--- a/chain_params.test.json
+++ b/chain_params.test.json
@@ -28,7 +28,8 @@
         "proposalFeeConfirmRequirement": 6,
         "maxPaymentCycles": 6,
         "maxPayment": 43200000000000,
-        "defaultColdStakingAddress": "SdgQDpS8jDRJDX8yK8m9KnTMarsE84zdsy"
+        "defaultColdStakingAddress": "SdgQDpS8jDRJDX8yK8m9KnTMarsE84zdsy",
+        "stakeSplitTarget": 50000000000
     },
     "testnet": {
         "name": "testnet",
@@ -60,6 +61,7 @@
         "proposalFeeConfirmRequirement": 3,
         "maxPaymentCycles": 20,
         "maxPayment": 144000000000,
-        "defaultColdStakingAddress": "WmNziUEPyhnUkiVdfsiNX93H6rSJnios44"
+        "defaultColdStakingAddress": "WmNziUEPyhnUkiVdfsiNX93H6rSJnios44",
+        "stakeSplitTarget": 50000000000
     }
 }
diff --git a/scripts/wallet.js b/scripts/wallet.js
index 1417ee3f..561c5798 100644
--- a/scripts/wallet.js
+++ b/scripts/wallet.js
@@ -1164,11 +1164,26 @@ export class Wallet {
         // Add primary output
         if (isDelegation) {
             if (!returnAddress) returnAddress = this.getNewChangeAddress();
-            transactionBuilder.addColdStakeOutput({
-                address: returnAddress,
-                addressColdStake: address,
-                value,
-            });
+            // The per-output target for maximum staking efficiency
+            const nTarget = cChainParams.current.stakeSplitTarget;
+            // Generate optimal staking outputs
+            if (value < COIN) {
+                throw new Error('below consensus');
+            } else if (value < nTarget) {
+                transactionBuilder.addColdStakeOutput({
+                    address: returnAddress,
+                    addressColdStake: address,
+                    value,
+                });
+            } else {
+                for (let i = 0; i < Math.floor(value / nTarget); i++) {
+                    transactionBuilder.addColdStakeOutput({
+                        address: returnAddress,
+                        addressColdStake: address,
+                        value: i === 0 ? nTarget + (value % nTarget) : nTarget,
+                    });
+                }
+            }
         } else if (isProposal) {
             transactionBuilder.addProposalOutput({
                 hash: address,
@@ -1198,7 +1213,8 @@ export class Wallet {
             }
 
             const fee = transactionBuilder.getFee();
-            const changeValue = transactionBuilder.valueIn - value - fee;
+            const changeValue =
+                transactionBuilder.valueIn - transactionBuilder.valueOut - fee;
             if (changeValue < 0) {
                 if (!subtractFeeFromAmt) {
                     throw new Error('Not enough balance');
diff --git a/tests/unit/wallet/transactions.spec.js b/tests/unit/wallet/transactions.spec.js
index 2b2d0673..4a26676a 100644
--- a/tests/unit/wallet/transactions.spec.js
+++ b/tests/unit/wallet/transactions.spec.js
@@ -14,6 +14,7 @@ import {
 
 import 'fake-indexeddb/auto';
 import { TransactionBuilder } from '../../../scripts/transaction_builder.js';
+import { cChainParams } from '../../../scripts/chain_params.js';
 
 vi.stubGlobal('localStorage', { length: 0 });
 vi.mock('../../../scripts/global.js');
@@ -169,9 +170,11 @@ describe('Wallet transaction tests', () => {
     });
 
     it('Creates a cold stake tx correctly', async () => {
+        // Delegate 5250 PIV to test Stake Pre-Splitting
+        const value = 5250 * 10 ** 8;
         const tx = wallet.createTransaction(
             'SR3L4TFUKKGNsnv2Q4hWTuET2a4vHpm1b9',
-            0.05 * 10 ** 8,
+            value,
             { isDelegation: true }
         );
         expect(tx.version).toBe(1);
@@ -184,26 +187,32 @@ describe('Wallet transaction tests', () => {
                 scriptSig: '76a914f49b25384b79685227be5418f779b98a6be4c73888ac', // Script sig must be the UTXO script since it's not signed
             })
         );
-        expect(tx.vout[1]).toStrictEqual(
-            new CTxOut({
-                script: '76a914f49b25384b79685227be5418f779b98a6be4c73888ac',
-                value: 4997470,
-            })
-        );
+        // The 'after split' output
         expect(tx.vout[0]).toStrictEqual(
             new CTxOut({
                 script: '76a97b63d114291a25b5b4d1802e0611e9bf724a1e57d9210e826714f49b25384b79685227be5418f779b98a6be4c7386888ac',
-                value: 5000000,
+                value:
+                    cChainParams.current.stakeSplitTarget +
+                    (value % cChainParams.current.stakeSplitTarget),
             })
         );
+        // The split outputs (depending on chainparam 'stakeSplitTarget')
+        for (const cOut of tx.vout.slice(1, tx.vout.length - 1)) {
+            expect(cOut).toStrictEqual(
+                new CTxOut({
+                    script: '76a97b63d114291a25b5b4d1802e0611e9bf724a1e57d9210e826714f49b25384b79685227be5418f779b98a6be4c7386888ac',
+                    value: cChainParams.current.stakeSplitTarget,
+                })
+            );
+        }
         await checkFees(wallet, tx, MIN_FEE_PER_BYTE);
     });
 
-    it('creates a tx with max balance', async () => {
+    it('Creates a tx with max balance', async () => {
         const tx = wallet.createTransaction(
             'SR3L4TFUKKGNsnv2Q4hWTuET2a4vHpm1b9',
             legacyMainnetInitialBalance(),
-            { isDelegation: true }
+            { isDelegation: false }
         );
         expect(tx.version).toBe(1);
         expect(tx.vin).toHaveLength(2);
@@ -218,9 +227,10 @@ describe('Wallet transaction tests', () => {
         );
         expect(tx.vout).toHaveLength(1);
         const fees = await checkFees(wallet, tx, MIN_FEE_PER_BYTE);
+        // The 'after split' output
         expect(tx.vout[0]).toStrictEqual(
             new CTxOut({
-                script: '76a97b63d114291a25b5b4d1802e0611e9bf724a1e57d9210e826714f49b25384b79685227be5418f779b98a6be4c7386888ac',
+                script: '76a914291a25b5b4d1802e0611e9bf724a1e57d9210e8288ac',
                 value: legacyMainnetInitialBalance() - fees,
             })
         );